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Federal Deposit
Insurance Corporation

Each depositor insured to at least $250,000 per insured bank

Consumer Financial Rights

Consumers' financial rights are protected by federal and state laws and regulations covering many services offered by financial institutions. This brochure will assist organizations which often receive complaints about banks, savings and loan associations, and credit unions in referring complaints to the proper regulatory agency.



Many State Laws also provide rights and remedies in consumer financial transactions. Unless a state law conflicts with a particular federal law, the state law usually will apply. Some states have usury laws, which establish maximum rates of interest that creditors can charge for loans or credit sales. The maximum interest rates vary from state to state and depend upon the type of credit transaction involved.


Complaints should be mailed to the appropriate agency with copies of all relevant documents. Original documents or currency should not be sent. Addresses for the federal agencies are:

Paper edition - October, 1992
The paper edition was prepared by:
Federal Financial Institutions Examination Council
2100 Pennsylvania Ave, NW
Suite 200
Washington, DC 20037

The ASCII edition of this pamphlet was typed from that original at the FDIC.
ASCII edition - March 16, 1994
Web edition, FDIC, CBM - February 25, 1995